Calculadora y Visualizador de Asignación de Activos
Key Financial Terms
Understand the essential concepts behind this calculator
Asset Allocation
The mix of different investment types in your portfolio, determining both risk and potential returns
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Glide Path
Automatic asset allocation shift in target-date funds from aggressive (stocks) to conservative (bonds) as retirement approaches. "Set and forget" strategy.
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Target Date Fund
A mutual fund that automatically adjusts its asset allocation from aggressive to conservative as you approach your target retirement date.
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Preguntas Frecuentes
Preguntas comunes sobre Calculadora y Visualizador de Asignación de Activos
La regla tradicional es
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Sources & References
Modern Portfolio Theory
Nobel Prize-winning research demonstrates that diversification across uncorrelated asset classes reduces portfolio volatility without reducing expected returns. Optimal portfolios maximize return per unit of risk.
Three-Fund Portfolio Approach
A simple, highly effective strategy: Total U.S. Stock Market (e.g., VTI), Total International Stock Market (e.g., VXUS), Total Bond Market (e.g., BND). Adjust percentages based on age and risk tolerance.
Past Performance Doesn't Guarantee Future Results
Asset class returns vary significantly over time. Historical correlations and performance are guides, not guarantees. Diversification reduces but doesn't eliminate risk. Consider your individual circumstances and consult a financial advisor.